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1) PayPal is not a (rogue) private debt collector; they are a financial institution.

2) This took place in the UK. (She owed £3,200).

3) The notice was sent to her, not her family.

4) It seems like she had a credit card with PayPal that had a balance on it (reference to "PayPal Credit"). Doesn't payment to creditors come out of the estate? So it seems PayPal might be legitimately owed if the estate has money. Thus there were no social engineering tactics

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PayPal _was_ legitimately owed money. I don't think that's at question - when you die with a debt, that doesn't "erase" the debt. The issue here isn't "dying with debt", it's PayPal's phrasing of this - "Hey, being dead is a violation of your agreement". A less insensitive letter that indicated that there was a $3200 balance against the estate wouldn't have raised any eyebrows (unless UK credit laws are very unusual).

When you die with a debt and the heirs wave their rights to the estate the debt dies with you.

(rouge)

They're not that either, but I think you meant rogue.

Haha, Yes, I certainly did. Fixed.

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